Smooth out the lumps and keep trading.
Bridge the gap between paying suppliers and getting paid by customers. Whether you're funding payroll between large invoices or holding stock through a quiet month, the right facility keeps your business moving.
Common scenarios
- Paying staff while waiting on a 60-day invoice
- Covering supplier deposits before a major contract pays out
- Bridging a gap caused by a delayed payment
- Building a working-capital buffer ahead of a busy period
How it works
- Tell us what the cash is for and your monthly turnover
- We match you with a lender whose risk appetite fits your sector
- Receive an indicative offer, usually same-day
- Sign electronically and draw down funds, typically within 48 hours
At a glance
- Typical amount: £25,000 – £500,000
- Typical term: 3 – 60 months
- Speed: Funds in 48 hours for established trading businesses
Recommended products
- Business Loans
- Refinance
- Sale & Leaseback
Frequently asked questions
Do I need to secure this against an asset?
Not necessarily. Many of our cash-flow facilities are unsecured up to £250,000 for limited companies with at least two years' filed accounts.
Will this affect my credit score?
We carry out a soft credit search to give you indicative terms. A hard search only happens once you accept an offer and proceed with the lender.
Can I repay early?
Yes. Almost every facility we arrange allows early repayment, often with a rebate of unaccrued interest.